A citizen who takes out a loan of 200 thousand TL pays an average of 14 to 15 thousand TL per month in a 24-month maturity.
In the market where interest rates are around 4%, the total repayment is up to 350 thousand TL.
In other words, the citizen pays back almost 70% more than the money he received.
According to experts, installments are high in the short term, but as the maturity extends, the total debt increases.
It is also emphasized that the interest rates offered may vary depending on credit score, income level and bank campaigns. Additionally, it is stated that file costs and insurance fees are among the factors that increase the total cost.
According to experts, before using a loan, attention should be paid not only to the monthly installment amount but also to the total repayment amount.
As of April 11, 2026, the 24-month repayment and monthly installment rates of the 200 thousand TL consumer loan were shaped as follows, bank by bank.
TEB
Interest Rate 3.89%
Monthly Installment 14.574,65 TL
Total Payment 350.941,60 TL
